Back in my MH (Manufactured Home) days I used to recommend self employed candidates to not only do a better job with their book keeping and filing but to also consistently place income in their personal back account in a weekly, bi-weekly or monthly basis to show fluency. 

How is it going to consistently go higher without looser lending?

The key is to be consistent, set your calendar and don't deviate.  

After touring their business (which consisted of walking through houses in varying condition: under contract all the way up to rehabbed and on the market), I was quite impressed and wanted to get involved somehow.

Also note that the MZM velocity has consistently DECREASED since the interest rates have begun to fall in 1980.

You need to be able to consistently make money on your own deals before you start investing someone else money.

I need the same advice. here is what my bank is offering me on a commercial loan:-maximum LTV 80% -maximum term 15 years -ARM 25 years -Rates are fixed for 5 years at a time -Fees consist of actual costs plus 0.50% of the loan amount Let me know...

The house is in a decent area and renovated homes are selling in 90 days or less consistently.  

It would be a very rare market that will consistently allow you to pay someone that and stay competitive. 

You will need a history and track record showing that you can consistently make your normal paycheck.